Do you want to make more of your money? In view of inflation and a difficult interest rate environment, it is not so easy to achieve an attractive return on your assets. But if you don’t invest at all, you lose money – your purchasing power decreases every day, gradually but surely. That doesn’t have to be the case. And with a professional at your side, it’s also easier to make good investments. After all, to achieve your own financial goals, you not only need to have broad specialist knowledge, but also a lot of experience – and a very structured approach. There are professional asset managers for this.
The challenge of investing money for private individuals
Many people have the goal of investing their money wisely – but between everyday life, work and family, there is little time to deal intensively with financial markets, investment strategies or risk management.
Typical challenges for private investors:
- Lack of time: regular market monitoring and research are time-consuming
- Uncertainty in risk assessment: what is appropriate, what is too speculative?
- Lacking or incomplete specialist knowledge: financial topics are complex and confusing
- Lack of investment strategy: decisions are often made situationally rather than strategically
- Information overload: blogs, videos & stock market apps cause more confusion than clarity
- Emotional decisions: Short-term market reactions lead to hasty buying or selling
This is why more and more people are deciding to hand over responsibility – and entrust their assets to discreet, professional asset management.
Have money invested: Advice or discretionary management?
Are you unsure whether asset management is right for you? Two common models show which form of collaboration best suits your needs – depending on how much time, knowledge and decisiveness you bring to the table.
Comparison: advisory mandate vs. discretionary asset management
|
Criterion |
Consulting (Advisory) |
Discretionary asset management |
|
Make decisions |
Customers decide on investments themselves |
Asset manager implements strategy independently |
|
Customer role |
Active, advisory support |
Passive, strategic decisions are implemented |
|
Procedure |
Advice based on individual goals |
Strategy is defined together, then implemented |
|
Fee model |
Consulting fee depending on time and effort |
Management fee, performance fee if applicable |
|
Time required |
Higher, regular reconciliations necessary |
Low, ongoing monitoring by the administration |
|
Learning effect |
Direct - make decisions yourself |
Indirectly - through transparent reporting |
|
Special features |
For experienced investors who enjoy markets |
For all those who want to hand over responsibility |
Good to know:
With discretionary asset management, clients also benefit from special conditions with custodian banks, which the management negotiates based on its volume. These benefits noticeably reduce the overall costs of the investment – an often underestimated advantage that you do not benefit from with sole investment advice.
In both models, you can invest in various instruments such as shares, funds or ETFs invested The right vehicle depends on your strategy. A good asset management company will explain the differences to you clearly, show you examples and ensure a transparent cost structure.
Advantages of working with a professional asset management company – having money invested
Why should you have your money invested? Here are your advantages at a glance:
- Individual strategy
Your portfolio is tailored precisely to your goals and risk appetite. - Active management
Regular adjustments ensure stability and potential returns. - Exclusive access
Take advantage of investments that are often closed to private investors. - Transparent costs
Clear fee structure, regular reports – no surprises. - Less effort
You save time – and gain security and clarity.
In short: you benefit from the knowledge of the professionals – and still retain control at all times.
Which asset management is right for my investment?
To be able to answer this question, every investor needs to take an honest look inside themselves and clarify for themselves: What can I realistically manage myself – and where do I need support in terms of content and time? This short checklist will help you to find the right form of asset management for you:
How familiar are you with financial topics?
- Hardly any experience or little interest?
→ Discretionary asset management is ideal: it takes the pressure off you and protects you from typical rookie mistakes. - Great interest and willingness to learn?
→ A consulting mandate can be useful: you make decisions yourself and actively gain experience.
How much time do you have to invest?
- Little time for market observation and advice?
→ The discretionary investment solution investment solution takes care of these tasks for you – efficiently and reliably. - A lot of time and a desire for active engagement?
→ An advisory model enables direct influence – but requires ongoing commitment.
Are you new to the financial market?
For newcomers, our recommendation is clear:
→ Discretionary asset management saves time, nerves and protects against costly investment mistakes.
And if you want to get started yourself in the long term, you can virtually warm up: This is because you receive regular portfolio reports from your asset manager and can securely track the decisions the professional has made for you via your e-banking account.
Would you like to learn more about investing in the long term?
Great interest, but still little experience?
→ Discretionary asset management is an ideal way to get started: you hand over responsibility – and learn along the way.
Investing money for beginners & advanced investors
Money has to work. Putting your hands in your lap is the wrong decision. If you want to invest properly, you either have to delve deeper into financial matters yourself or make use of the knowledge of professionals. The advantages of working with a professional asset management company are obvious:
- You save a lot of time.
- You have more security when investing
- Experience has shown that they achieve significantly better returns.
Make more of your money! We offer you the benefits of advice and discretionary asset management. Your advantage as an investor: among other things, we take care of an attractive long-term equity returns – and you can concentrate on other things in life. Do you have any further questions?
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